Bilt Blue vs Sapphire Reserve for Business

Common questions

Which card has the bigger sign-up bonus, Bilt Blue or Sapphire Reserve for Business?

The Sapphire Reserve for Business has the bigger bonus, 150,000 points, worth roughly $2,595, versus $100 Bilt Cash (~$100) on the Bilt Blue.

Is the Bilt Blue's $0 annual fee worth it compared to the Sapphire Reserve for Business?

The Bilt Blue has no annual fee, so the question is whether the Sapphire Reserve for Business's $795 fee is justified by its perks. If you'll use enough of the Sapphire Reserve for Business's benefits to clear $795 in value annually, it's worth it; otherwise stick with the Bilt Blue.

Can I have both the Bilt Blue and Sapphire Reserve for Business?

Yes, since they're from different issuers (Bilt / Cardless and Chase) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.

Should I get the Bilt Blue or the Sapphire Reserve for Business first?

Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Blue: $0 spend in 0 months. Sapphire Reserve for Business: $20,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.